With college costs growing fast, it's time to borrow smarter. The Smart Option Student
Loan® offers three repayment options and competitive
variable interest rates to help you pay for college expenses not covered by scholarships
and federal loans. Get started.

IT'S SERIOUSLY SIMPLE

GET MAXIMUM FLEXIBILITY.

DEFERRED REPAYMENT OPTION

Defer payments until after school, or pay as much as you want while in school, to
enjoy maximum flexibility.1

PAY A LITTLE NOW. SAVE A LOT LATER.

FIXED REPAYMENT OPTION

Pay just $25 a month while in school and for six months after school.2
Taking advantage of our shorter repayment term can save you over 10% on your total
loan cost compared to our Deferred Repayment Option.3

PAY MORE. SAVE MORE.

INTEREST REPAYMENT OPTION

Pay interest while in school and for six months after school. Taking advantage of
our shorter repayment term can save you over 20% on your total loan cost compared
to our Deferred Repayment Option.3

APPLYING ONLINE IS EASY - IT ONLY TAKES ABOUT 15 MINUTES TO APPLY AND GET A CREDIT RESULT.

ENCOURAGING RESPONSIBLE BORROWING

Sallie Mae has helped more than 30 million Americans pay for college since 1972. We encourage students and families to supplement savings by exploring grants, scholarships and federal student loans before they consider a Sallie Mae private education loan.

A COSIGNER CAN REALLY PAY OFF

If a parent or other creditworthy individual cosigns the loan with you, it can lower
your interest rate—and give you a better chance of approval.

Click text below for more information:

Competitive variable interest rates and no origination fees4

Get variable interest rates that range from 2.25% APR to 9.37% APR.

Earn rewards for paying on time5

Get a Smart Reward® in your Upromise® account of 2% of your scheduled monthly payments that are made on time while in school.

Lower your interest rate6

Get the money you need

Receive a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payments by automatic debit.

2 This informational repayment example uses typical loan terms available to a freshman borrower who elects the fixed repayment option and has a $10,000.00 loan with two disbursements and a 7.21% variable APR: 51 payments of $25 per month, 119 payments of $140.28 per month and one payment of $114.17, for a total paid of $18,082.49. Variable rates may increase after consummation. Unpaid interest will capitalize.

3 Savings based on typical loan to a freshman.

4 Interest rates for the Fixed and Deferred Repayment Options are higher than for loans with the Interest Repayment Option. APRs for borrowers attending non-degree granting institutions range from 7.99% to 13.62% with an origination fee up to 5.00%. Origination fees mean application or disbursement fees. Variable rates may increase after consummation.

5 Primary borrower can earn reward into his or her active Upromise account of 2% of the scheduled loan payment amount for each on time payment during the in school and separation periods. Loan payments must remain current to be eligible for the reward. Benefit and Upromise membership subject to the terms and conditions of the Upromise service, as may be amended from time to time. Upromise Accounts are not FDIC insured, carry no bank guarantee and may lose value.

6 Recurring payment must be successfully deducted from designated account for rate reduction to apply. Benefit suspended during forbearances and certain deferments.

7 To qualify, borrower must be a U.S. citizen or permanent resident and meet the underwriting requirements when the release request is processed.

8 The Tuition Insurance Benefit is tuition refund insurance that covers up to $2500 per semester ($5000 total per policy) and is available with Loans that first disburse between 7/1/12 and 10/31/12. Borrowers are automatically enrolled at the first loan disbursement. Benefit must be activated within four months of first disbursement to receive twelve months of coverage. To process the benefit your information will be shared with Sallie Mae Insurance Services, their underwriters, and their providers. If the loan is cancelled, coverage terminates. Individuals may be enrolled in only one Tuition Insurance Benefit at a time. Benefit is offered through Sallie Mae Insurance Services, a service of Next Generation Insurance Group, LLC, a licensed insurance producer. For insurance licensing information, click here. Coverage is underwritten by Markel Insurance Company, Deerfield, IL; Administrative Office: Glen Allen, VA.

SLM Corporation and its subsidiaries, including Sallie Mae, Inc. and Upromise, Inc., are not sponsored by or agencies of the United States of America.

Smart Option Student Loans are made by Sallie Mae Bank® or a lender partner.

Uloop is compensated for the referral of Smart Option Student Loan customers.

Student Loans Available at University of Cincinnati Blue Ash College - ucba-activist is not affiliated with and does not endorse the loans of Sallie Mae.

Student loans on Uloop provides ucba-activist students with competitive rates for private students loans for the year, for the semester, or for the quarter. The Student Loan category on Uloop provides a list of student loan providers and also provides college loans for all majors. In the Uloop Student Loan category you can find competitive loans for students at University of Cincinnati Blue Ash College.